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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MORGAN STANLEY Service code 49 · EIN 26-4310632 | Other Services | $19,635 |
PRINCIPAL LIFE INSURANCE COMPANY6+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $2,436 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,823 | $98,776-9.1% | $149,745-40.0% | $79,856+12.5% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.6%-0.4pp |
| Annual return | 16.97% | 27.38%-10.4pp | 276.72%-259.7pp | 31.71%-14.7pp |
| Employer contribution / active EE | $422 | $3,217-86.9% | $4,646-90.9% | $2,471-82.9% |
| Participant deferral / active EE | $6,918 | $5,681+21.8% | $6,843+1.1% | $3,741+84.9% |
| Admin fee / account holder | $26 | $6,053-99.6% | $9,312-99.7% | $5,306-99.5% |